Merchant Risk Analyst

2 hours, 18 minutes ago
Unlimit

Unlimit

Unlimit provides a comprehensive platform that enables businesses to easily launch and grow by offering access to over 1000 local and global payment methods, facilitating seamless transactions in multiple currencies.

Diversified Financial Services
Founded 2009

Description

  • Perform end-to-end underwriting and due diligence for high-risk merchant applications across acquiring and PayFac models.
  • Assess merchant business models, transaction flows, and key risk drivers to inform onboarding decisions.
  • Evaluate applications against card scheme requirements, regulatory expectations, and internal risk standards to support underwriting decisions.
  • Document risk assessments and prepare clear, well-supported underwriting recommendations and rationale.
  • Communicate due diligence outcomes and recommended risk mitigation measures to internal stakeholders.
  • Manage merchant registration and onboarding processes with card schemes and support ongoing monitoring.
  • Engage with payment schemes on underwriting-related topics and respond to scheme inquiries.
  • Collaborate closely with compliance, operations, product and other cross-functional teams to support merchant onboarding and ongoing monitoring.

Requirements

  • 2+ years of hands-on experience in merchant underwriting with exposure to high-risk merchant portfolios.
  • Experience working within an acquirer, PayFac, PSP, or similar payment institution.
  • Good understanding of high-risk business models and associated risk factors.
  • Working knowledge of card scheme standards and legal requirements for high-risk merchant onboarding and ongoing monitoring.
  • Proven ability to conduct in-depth due diligence and produce structured, detailed risk documentation.
  • Proactive, independent, structured and detail-oriented approach to risk assessment and documentation.
  • Ability to clearly articulate risk findings and recommendations to internal stakeholders.
  • Strong collaboration skills and comfort working with cross-functional teams and engaging external schemes.
  • Full-time availability and ability to work remotely or from one of Unlimit’s listed locations (Limassol, Almaty, Barcelona, Riga, Valletta, Yerevan, Madrid, Belgrade).

Interested in this position?

Apply directly on the company website

Apply Now

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